KR100954573B1 - Secure cards and methods - Google Patents

Abstract

The present invention relates to a credit card and a debit card. In particular, the present invention relates to security methods and systems used for credit and debit cards to prevent unauthorized use.

Security card

Description

Credentials and Methods {SECURE CARDS AND METHODS}

This non-provisional application claims the benefit of a pain-owning provisional application with serial number 60 / 620,397, filed October 19, 2004 entitled Security Card and Methods thereof.

The present invention relates to a credit card and debit card. In particular, the present invention relates to security methods and techniques used in credit and debit cards to prevent unauthorized use.

Debit cards and other financial street cards that authenticate individuals as well as business transactions are known and have been used successfully for many years. Credit cards are typically made of a rectangular shaped durable material. Credit cards typically contain unique information about personal and financial information. This information may be contained on a card or on a magnetic strip provided on the card. The information may consist of alphabetic numbers corresponding to personal account numbers, authentication PIN numbers or other personal data. Typically, each card delivers unique data to a specific financial institution, micro-customer program.

Most consumers today use this type of card for cash transactions at food stores, gas filling stations, and small merchants. Such a card may be a credit card, a debit card, a customer card or a check card.

In most cases, the customer may have a credit card that can be used especially at any location, and the customer may also have a credit card that can only be used at certain retail stores such as apartments or consumer electronics stores.

Since the customer uses such a credit card, the customer must select the card he wants to pay and give it to the clerk at the counter or pass the card to the reader. In some transactions, personal financial information, such as account numbers, PINs and personal information, may be exposed to various other people, such as counter clerks, order waiters, and people in locations where such information can be viewed. This information sometimes appears on displays and receipts. Such exposure could lead to potential fraud and illegal use of confidential information.

Increasing fraud and identity theft require financial institutions and individuals to pay for losses due to theft, providing privacy or security to the means of providing financial and information transactions.

Managing a large number of financial transaction cards usually held by an individual causes inconvenience and increases the risk of theft and lost.

The present invention is directed to enabling one or more cards to be traded in one secure and usable format.

For example, it is desirable to provide information about the trading capabilities of such cards to coded marks such as bar codes or binary two-dimensional matrices that can be printed on one card.

As such, one card may functionally include multiple trading techniques based on multiple individual trading cards that can be accessed and used individually. Cards having such a large number of trading technologies are easy to manufacture, can be inexpensive and can provide a high level of security.

An embodiment of the present invention provides a high level of security transaction card, in which information relating to one or more financial accounts, as well as other information such as identification or authentication information, is printed or provided with a barcode or two-dimensional binary symbol. Provided in the same coded mark. It is read and decoded to provide secure function access to coded Markka financial accounts or other information.

Another embodiment of the present invention is to provide a system capable of functionally providing a transaction card of one or more cards, such as a financial transaction card, to a single security card so as to access and use respective transaction capabilities of one or more cards. .

The system preferably includes software capable of printing information about each individual's trading capabilities or in a single two-dimensional matrix and hardware capable of providing two-dimensional symbols to a single security card.

For example, it is desirable for an individual to combine the trading capabilities of multiple credit cards into one secured transaction card. All the information of each of the multiple credit cards required to complete a transaction is encoded by the software in a two-dimensional matrix and printed on one card. Such a card can be used in a facility having a card reader according to the present invention that can read and decode two-dimensional symbols.

As soon as the card is read, a two-dimensional symbol is decoded and the cardholder's ID is validated and the associated screen displays the icons of all credit cards that the card provides functionally.

Credit or personal information, such as a credit card number, PIN number, or expiration date, is hidden until you select the form of payment used by the individual. When selecting a payment method, payment processing continues using the current method.

The present invention will be described in detail with reference to the accompanying drawings.

1 shows a sample in the form of a credit card, a customer card and a check card that an individual can carry at a given time;

2 is a diagram of a security card according to the present invention having financial data from multiple cards encoded in a two-dimensional matrix according to the present invention.

3 illustrates a method in which an individual combines a plurality of financial cards with fingerprints and authentication data, encodes them into a two-dimensional matrix, and prints, in accordance with the present invention.

4 is a schematic diagram illustrating how an individual makes a purchase process using a security card according to the present invention.

5 is a flow chart illustrating a process that can be used to combine multiple cards into one card in accordance with the present invention.

6 is a flow chart illustrating the purchase using a user ID in accordance with the present invention.

As shown in Fig. 1, the current individual typically has several cards used for purchase. They tend to carry their cards in their pockets or in their purses. Card numbers and forms may vary and may include financial transaction cards, customer cards, check cards, phone cards, IDs and licensing cards, and the like.

According to the present invention, an individual provides necessary data and information from one or more cards to a security code mark, such as a two-dimensional matrix such as a barcode, so that it can be stored on one card as shown in FIG.

As shown schematically in FIG. 3 and showing a flow chart in FIG. 5, there is shown a process for manufacturing a security card according to the present invention, which comprises obtaining data from a data source, encoding the data, Preferably, the method comprises generating a digital data matrix from the encoded data and storing the data.

Additional steps may be contemplated for manipulating, converting, editing or processing data in a preferred manner.

Preferably, the first step of the process includes obtaining data from the data source. This data includes data provided in secure and encrypted form.

Such data may include data from one or more financial distance cards 330, personal or biometric data such as fingerprint data 310, information about an account such as access number 320, or other information. have.

The present invention is particularly useful for data that is desirable for humans to carry. Such data may be provided in alphanumeric, graphical, or image-based form. Personal data may include personal information such as personal name, address, account number, bank code, and the like.

Biometric data to identify individuals. Fingerprint authentication, eye shape authentication, facial image, electronic fingerprint authentication, or other means. In some cases, the data may be provided and printed on the card in encrypted form, or else it may include stored data provided on the card in secure form.

After the data has been identified, it is desirable to encode the data using an encoding step. This encoding is used to digitalize the data, store it in memory, press the keyboard to read the data, generate images and images, and scan data based on the thumb or the eye or other biometrics.

Preferably a software coding process is used and software coding of such data using the preferred technique can be performed by the preferred technique. For example, data to be encoded can be converted to binary strips of ones and zeros.

Next, the binary information is encrypted to perform error detection and correction (EDAC). Reed-Solomen error correction, which uses almost all 2D barcodes, is a byte correction technique and is widely used in digital storage applications in the field of telecommunications.

By this technique, the Reed-Solomon error correction code word is integrated with the data code word to form an integrated message.

Techniques for semiotics that electrically code data are known from U.S. Pat. It is.

Other other techniques for encoding and decoding information are disclosed in Applicant's co-pending provisional application No. 60 / 567,761 entitled "How to Encode and Decode Information," filed May 3, 2004. Include in this person.

A security card using a two-dimensional mark and a method of making and using the card are described in the commonly pending US patent application Ser. No. 10 / 713,247, entitled "High Security Cards and Systems," filed November 13, 2003. Disclosed and incorporated herein by reference.

The digital data matrix 340 in the form of a symbol or marking is preferably provided from the encoded data. Symbols or marks such as bar codes or two-dimensional codes may be used. The digital data matrix may be provided by printing or the digital data matrix may be provided to an electronic chip or device.

For example, encrypted binary strips can be distributed to two-dimensional symbols such as matrix arrays.

The area symbology used in the present specification is known as the brand name VeriCode or VSCode, and is called a symbol blob, and is a matrix of data cells. For example, using encoded data, a matrix of Vercode cells is generated. This is accomplished by digitizing this decoded data into binary bits and processing by software algorithms to generate code. Such techniques are known from the above-mentioned US patent.

Digital data matrix 340 (eg, trade name VSCode) is stored in print card 350. Preferably, digital data matrix 340 is typically printed on a regular card that is stored in a pocket or purse.

However, to do this, it is desirable to reduce the size or compress the data matrix. This is accomplished by adjusting the cell size and the dots per cell used during the printing process so that the symbols are decoded using a predetermined reader.

As shown schematically in the flowcharts of Figs. 4 and 6, the card element utilizes a security card 410 having a two-dimensional matrix printed with coded marks for making transactions at the time of purchase.

The necessary steps are as follows:

First, a security card 410 having a two-dimensional matrix is placed in the reader 420 to read and decode the two-dimensional matrix. Fingerprint authentication reads and decodes the two-dimensional matrix.

Once the fingerprint is encoded in the two-dimensional matrix, the cardholder places his finger on the finger printer reader 430.

Reader 430 generates a set of minutia points and compares these details with fingerprint authentication encoded in a two-dimensional matrix using decoding software. After comparison, if it is determined that it is available, a graphic appears on the reader screen 440 where the graph represents all forms of payment provided with card 40. The graphic of the payment method is preferably represented by only an icon.

Appropriate data such as account numbers, credit card numbers, expiration dates, and PIN numbers are preferably hidden in the stream. Reliability is guaranteed because no information is leaked to third parties who might misuse the card.

Assuming some form of authentication is available, a photographic image of one or more authorized cardholders is included in the two-dimensional matrix. The clerk can access the image and use it to verify that the user is officially acceptable.

As soon as the clerk verifies the cardholder's ID, the clerk can be authorized to access the payment method by the security card.

In this way, many individuals are entrusted to use a security card such as a spouse with combined access to a particular financial account. Other information may be used to authenticate a user with permission to use, such as information about the user's physical description.

In addition, access codes can be used to restrict access to authorized users. As soon as the icon appears, the cardholder chooses the form of payment he wants to use. As soon as it is selected, the system returns to the two-dimensional matrix 410 and makes a general transaction with the financial institution or bank 450 using the necessary account number and data. The transaction phase is private and confidential at the time of processing, so that adequate data is not exposed and all data is not exposed to third parties. When the system contacts the financial institution, it continues until the process is completed in the current way.

The invention has been described with reference to several embodiments. The above description is for clarity of understanding. Unless the invention is separated within the scope and spirit, variations may be made in the described embodiments. Therefore, the scope of the present invention should not be limited to the exact description and structure described herein.

Claims (14)

Providing information to encode including an account or identifying information about a plurality of other trading accounts; Encoding the information including encoding the information into a Reed-Solomon block and encoding the information using error correction, detection, and compression; Generating a two-dimensional coded mark from the encoded information; Providing a coded mark of encoded information on a card surface. The method of claim 1, And the information to be encoded includes alphanumeric information. The method of claim 1, And the information to be encoded includes graphic information. The method of claim 1, The information to be encoded comprises biometric information. The method of claim 1, And the information to be encoded includes financial function account information relating to a plurality of financial transaction cards. delete delete The method of claim 1, Generating a coded mark comprises generating a matrix of data cells. delete delete delete Providing a security card having a coded two-dimensional mark on one side of the card, the coded two-dimensional mark comprising functional information relating to a plurality of unique functional financial transaction cards, wherein the coded two-dimensional mark is encoded in Reed-Solomon blocks; Includes encoded information and compressed information using error detection and correction; Reading and decoding the coded two-dimensional mark; Selecting one of each financial account of the plurality of trading cards; And completing a financial transaction with the selected financial account. In a system for making a financial distance based on the use of a transaction card, A card reader programmed to read and decode a coded two-dimensional mark, wherein the coded two-dimensional mark includes information encoded with a Reed-Solomon block, information encoded using error detection and correction, and compression information. To; A display indicative of selected information obtained from a trading card that includes information about a plurality of different financial trading accounts; Control to selectively complete a financial account by delegation of the financial transaction account for approval using data from one of the plurality of financial transaction accounts using information selected from the display and additional information obtained from the two-dimensional mark on the selected financial transaction account. system. The method of claim 13, And further reading biometric information from the card element in communication with the control system, wherein the control system compares the biometric information read from the reader with the coded read from the two-dimensional mark for identification of the cardholder's certificate. The control system further comprises a function.

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